Introduction
This policy (and the schedule which forms an integral part of the policy) is a legal contract. Please examine it thoroughly to ensure it meets your requirements. If it does not please advise your insurance adviser immediately.
You are required to inform us immediately of any facts or changes which the Company would take into account in assessing or accepting this insurance. Failure to do so may invalidate your Policy or result in certain covers not operating fully. If you are in any doubt as to whether a fact is material or not, please contact your insurance adviser.
Property Owners’ Insurance Policy The Company and the Insured agree that [a]
[b]
this Policy the Schedule (including any Schedule issued in substitution) and any endorsements shall be considered one document and any word or expression to which a specific meaning has been attached shall bear such meaning wherever it appears
where the policy includes Property Damage Insurance Terrorism Insurance and Legal Liabilities Insurance each of these shall be considered as one document and any word or expression to which a specific meaning has been attached in any of these Sections shall bear such meaning only in relation to the Section in which it appears
[c] [d]
the Proposal or any information supplied by the Insured shall be incorporated in the contract
the Company will provide the insurance described in this Policy subject to the terms and conditions for the Period of Insurance shown in the Schedule and any subsequent period for which the Insured shall pay and the Company shall agree to accept the premium
The Company’s Liability
For all purposes including but not limited to the application of the Sums Insured or Limits of Indemnity and consideration of when and how the Policy will respond all parties included in the definition of the Insured in the Schedule or Persons Entitled to Indemnity shall constitute one Insured or one party or legal entity so that there will be only two parties to the contract of insurance between the Insured and the Company
Law Applicable
Unless the parties have agreed otherwise in writing any dispute concerning the interpretation of the Policy shall be governed and construed in accordance with English law and shall be resolved within the non-exclusive jurisdiction of the courts of England and Wales
Belinda Thorpe
CHUResidentsline Commercial Director Signed for and on behalf of the Company
Royal & Sun Alliance Insurance plc Registered in England and Wales No. 93792 Registered Office St Mark’s Court Chart Way Horsham West Sussex RH12 1XL Authorised and regulated by the Financial Services Authority
The words or phrases where used in the Policy starting with a capital letter shall have the following meaning within the Section in which they appear
General Company shall mean Royal & Sun Alliance Insurance plc Damage shall mean loss destruction or damage
Data shall mean information represented or stored electronically including but not limited to code or series of instructions operating systems software programs and firmware 4
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